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How to Attribute Family Ownership When 401(k) Plan Testing
Under the 401(k) family attribution rules, individuals are attributed the ownership of family members. These rules can greatly affect plan test results.
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The DOL Proposes New Electronic 401(k) Disclosure Rules
The proposal would allow employers to electronically deliver 401(k) disclosures to plan participants by posting them to a website. This reform is overdue.
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How MEPs Signal a Broken 401(k) Industry
Multiple Employer Plans (MEPs) are better for the 401(k) industry than retirement plan savers and sponsors. Small business owners should avoid them.
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3 Warning Signs Your 401(k) Provider is Ripping You Off
If you’re a business owner, you must know how much your 401(k) plan costs because the consequences for paying excessive fees are high.
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401(k) Fees - Rules for Allocating Among Plan Participants
Employers have a fiduciary responsibility to allocate 401(k) fees among plan participants equitably. This job can be easy with some basic education.
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401(k) Amendment Rules – Strict, but (Mostly) Straightforward
The Internal Revenue Service has strict rules for amending 401(k) plan documents. To stay out of trouble, employers should understand some amendment basics.
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Steps for Reducing the Out-of-Pocket Cost of Retirement
A simple plan can dramatically reduce the cost of retirement for 401(k) participants. Investing knowledge is not required to follow the plan.
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Traditional Safe Harbor 401(k) Plan vs. QACA – How to Choose
There are two basic types of safe harbor 401(k) plans available today – traditional and QACA. Business owners should understand their differences.
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401(k) Fee Study: What Does a Fiduciary-Grade Advisor Cost?
Our fee study of 753 fiduciary-grade financial advisors shows impartial advice reduces the total cost of a 401(k) plan. Employers should not settle for less.
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Revenue Sharing - 5 Reasons for 401(k) Fiduciaries to Avoid it
Revenue sharing makes it harder than necessary to meet 401(k) fiduciary responsibilities. Employers should pay direct 401(k) fees instead.
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